How to Pay for Drug Rehab Without Insurance

If you’re suffering from drug and alcohol addiction, don’t wait to find treatment just because you don’t think you can afford it.

At JourneyPure, we realize that every person’s circumstances are different. That is why our free benefits checks not only check whether or not you have insurance, but whether or not you might be a good candidate for a private or state-sponsored insurance plan. 

For those in need of substance use disorder treatment but who don’t have insurance, there are still a lot of viable options to help cover the cost of rehab. Read on for options when it comes to rehab without insurance.

Employee Assistance Programs

A lot of companies offer an Employee Assistance Program (EAP) to their employees. Employee Assistance Programs are designed to help you manage personal or work-related problems, such as those involving childcare, family issues, psychological disorders, and drug and alcohol abuse.

Lots of EAPs help companies and other organizations cope with and prevent workplace violence, trauma, and other emergency situations. EAP counselors also work with managers and supervisors in a consultation role to address employee challenges and needs.

EAPs are often provided at no cost to the employee, and EAP benefits may even extend to other members of your family that are covered by your medical insurance, such as a child or a spouse. 

To find out if you have access to an Employee Assistance Program, review your company’s benefits manual or speak to your organization’s human resources manager. If It turns out your employer does offer an EAP, contact our admissions team and we’ll help you figure out how to get the most from your EAP.

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Health Savings Accounts

If you have a Health Savings Account (HSA), the funds from that account may be eligible to use for certain aspects of drug rehab, such as:

  • Food
  • Lodging
  • Transportation to and from 12-Step meetings or therapy sessions
  • Certain pharmaceuticals, if needed

HSAs are a good way to reduce your out-of-pocket expenses related to treatment, especially if you don’t have insurance or have a plan with a high deductible.

Third-Party Loans

JourneyPure can help you secure a third-party healthcare loan to help pay for rehab. 

Your ability to obtain a private third-party loan can vary, depending on the strength of your credit and your overall financial picture. Still, a third-party loan can help cover the costs of rehab by allowing you to pay over an extended period of time, via monthly or quarterly installments.

While picking up extra debt at this point in your life might not be ideal, delaying your recovery because you’d rather not deal with bills at some point in the future is unwise.

Out-of-Pocket Payment

If you are able, you may also choose to pay for your drug and alcohol rehab program completely “out-of-pocket,” meaning with zero help from an insurance plan or third-party lender.

If your personal financial circumstances permit you to pay for rehab with a single out-of-pocket payment, or if a family member has stepped forward to offer help, you can and will be accommodated. If you’d like to obtain an estimate of the total cost of drug rehab, our admissions specialists are happy to go over that with you.

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